I'm irresponsible with money

[BuckyBadger]

I hope the OP is a troll. Of he's not, he's in for a world of hurt in the future.

This thread is most definitely NOT about finances, kiddo. You haven't given us ANY useful information that would even allow us to begin discussing finances.

[bjl584]

Well I can assure you I'm not a troll. I came here for advice on how I can manage my money but my recreational activities were more discussed. Not my fault.

Well, that's good. But the reason that your recreational activities are being discussed more than your money problems is because the recreational activities are what are causing the issue here.

[disneysteve]

By the way, my 17-year-old is an honor roll student, was just inducted into the National Honor Society, is looking at colleges for mechanical engineering, and is on the Board of her youth group. She's heading to Los Angeles in a few weeks for their national convention. She's drug free, alcohol free, never been arrested, and doesn't smoke.

[JoeP]

A helpful exercise for anyone (not lecturing to the OP) is determining cause and effect. Sometimes, people play the Victim Card but do not correlate their own activities with their current situation. For example, someone may be depressed about not having any money, and wallow in booze, when it was actually the booze that put them in that place to begin with...and continues to keep them there.

If the OP is a real person, and not someone just playing with us, my advice would be to completely change your behaviors, because they are not doing you any good. Like the cause and effect, you can have the effects you really want if you cause them to occur. This is not to be mistaken as simply willing something into existence; rather, you have to have the habits that successful people have in order to become successful.

[Stoic Cynic]

People often come here asking one question but in the course of the discussion, we find that the problem is really something entirely different, and we aren't shy about pointing that out.

So you want to know how to save more money?

Stop smoking.
Stop drinking.
Stop doing drugs.
Get a job.
Have some amount automatically transferred to a savings account each month, preferably an account that isn't too easy to access. No ATM card. No debit card linked to the account.

You also mentioned you are bad at paying your debts. Stop borrowing money. If you don't have the money to buy something, don't buy it.

I'm stopping smoking cigs and drinking but I won't stop weed. And as I said before, ''Get a job'' is **** advice, you obviously didn't read my previous posts.

[BuckyBadger]

I think you should get a job.

[disneysteve]

'Get a job'' is **** advice, you obviously didn't read my previous posts.

Actually, I did read your previous posts, as well as numerous posts from others trying to offer helpful suggestions. What I read in your posts was a lot of excuses and rationalizations about why you can't do what we are all suggesting.

As soon as somebody tells me they are unwilling to stop using drugs, however, I think that pretty much is the end of the conversation. I'll see where the thread goes but if you really aren't willing to change your ways, nobody here or anywhere can help you.

[Stoic Cynic]

Actually, I did read your previous posts, as well as numerous posts from others trying to offer helpful suggestions. What I read in your posts was a lot of excuses and rationalizations about why you can't do what we are all suggesting.

As soon as somebody tells me they are unwilling to stop using drugs, however, I think that pretty much is the end of the conversation. I'll see where the thread goes but if you really aren't willing to change your ways, nobody here or anywhere can help you.

I don't have to stop smoking weed to save money. I've already started saving, currently I have €10 stashed in my savings jar, it's not much but it's a start. Excuses and rationalisations? I already explained that I've been on a job hunt for the past year. You do realise that there is a recession going on?

[BuckyBadger]

I don't have to stop smoking weed to save money.

Say what now?

[Stoic Cynic]

Say what now?

Yeah, it's doable. Instead of smoking a whole bag to myself I can get a friend or two to pitch in on it, thus eliminating 2/3 of the price. And from now on I'll only be smoking once every two weeks. I get €30 a week, sometimes more. So I'll be putting €20 a week away and see how it goes.

[sweetlady2k]

I plan on going to collage in September, this is my second try at exams because I messed up the first time. I don't know what I want to study though, I was think something to do with computers or journalism. And it's good that your daughter has that motivation to keep her from being a **** up but you can't protect your kids forever. I've seen plenty of people turn 18 and suddenly think they can handle alcohol, I even seen this happen with my american cousin's when they turned 21. I've been drinking since I was 13, horrible I know, but it's taught me a few things and given me a certain perspective that straight edge kids don't have.

If you have no plans to stop drugs then you probably won't get ahead in life. All weed does is suck any bit of ambition and motivation out of your life. Its a lifestyle choice. If you choose to continue that lifestyle then you become that kind of person people don't want to hire, its also expensive and illegal. You could end up with a criminal record because of it and that would also limit your job opportunities. You will look back when your in your 30's and wish you had been like the "straight edge kids". They will have houses, cars, good paying jobs and you won't if you continue this way. You might think you are a lot better than you used to be, but there is always more you can do to make your life better.

[disneysteve]

I don't have to stop smoking weed to save money.

If saving money is the only reason you can think of to stop using drugs, you've got far bigger problems than we can help you with. Good luck to you.

[Stoic Cynic]

If you have no plans to stop drugs then you probably won't get ahead in life. All weed does is suck any bit of ambition and motivation out of your life. Its a lifestyle choice. If you choose to continue that lifestyle then you become that kind of person people don't want to hire, its also expensive and illegal. You could end up with a criminal record because of it and that would also limit your job opportunities. You will look back when your in your 30's and wish you had been like the "straight edge kids". They will have houses, cars, good paying jobs and you won't if you continue this way. You might think you are a lot better than you used to be, but there is always more you can do to make your life better.

Just because it's illegal doesn't make it wrong. It's illegal for a reason, do some research and you'd be surprised at what you find. And no government outlaws drugs ''because they are bad'', it's all about money. Look at alcohol and cigarettes, more harmful than weed yet they are legal. It's all about the tax dollars. And I don't have a weed lifestyle, it's something I do once a week to unwind, that's it. You really think I'm bothered by the dog and pony show called life? Those people may have the houses and the cars but inside a majority will be unhappy and drink themselves into an early grave, working 9-5 just rotting away in a mundane cubicle.

[Stoic Cynic]

If saving money is the only reason you can think of to stop using drugs, you've got far bigger problems than we can help you with. Good luck to you.

Y'know what? You're a ******** Steve. You don't need to take a moral axe view on drugs just because you don't do them. Have you ever tried weed? If not then you don't have a leg to stand on, you're just going on assumptions, propaganda and what other people say.

[sweetlady2k]

Your emotional, defensive and immature response to our very real attempt to help you just show us you are not ready to seriously improve your situation.